Depending on your location, you have access to up to four plans: the Anthem Zero Deductible, Anthem HSA, Anthem HDHP, or the Kaiser HMO (if you reside in California).
The Anthem Zero Deductible plan covers many common health care costs with zero deducible and predictable copays. This plan provides in-network coverage only.
The Anthem HSA Plan lets you enroll in a Health Savings Account (HSA) to save pre-tax dollars for healthcare expenses. You must meet the deductible before your plan provides coverage. This plan provides in-network coverage only.
The Anthem HDHP offers lower premiums than the HSA Plan. You are not eligible to enroll in an HSA when enrolling in this HDHP. You must meet the deductible before your plan provides coverage.
If you enroll in the HDHP $3,500 plan, you are automatically enrolled in $5,000 of employee only Critical Illness insurance.
This plan is only available to employees living in California. The Kaiser HMO plan only covers visits to in-network providers. You will select a primary care physician (PCP) who will oversee your care and refer you to specialists, if needed. You are responsible for copays at the time of service. There is no out-of-network coverage with this plan. Find an in-network provider at kp.org.
If you and your dependents (18+) are enrolled in one of TheKey’s Anthem plans, TheKey offers a supplemental benefit for planned non-emergency surgeries through Lantern. Lantern provides a personalized concierge experience with a dedicated Care Advocate, as well as access to high-quality care through a network of providers. By using Lantern, you may save money through waived coinsurance. Individuals enrolled in high-deductible plans must first meet their deductible, but once met, all other related expenses are waived through the Lantern program.
Lantern’s Care Advocates can help you:
Covered procedures may include hip, knee, shoulder, neck, back, heart, and cancer surgeries.
For more information and a full list of covered procedures, visit lanterncare.com or contact Touchcare for assistance.
Both the Anthem and Kaiser medical plans provide options for virtual care. Anthem plans utilize LiveHealth Online to connect you to a provider, while Kaiser plans use Kaiser’s internal telehealth services.
TheKey offers two PPO dental plan options: the Low Plan and the High Plan.
The Delta Dental PPO Low Dental Plan provides coverage for dental expenses up to the maximum of $1,000 per year.
The Delta Dental PPO High Dental Plan covers up to a maximum of $2,000 each year and also provides $1,250 of orthodontia coverage.
The VSP PPO Vision Plan provides coverage for vision-related expenses and exams. You may visit in-network or out-of-network providers.